9 Best Cash Back Credit Cards – January 2024

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Dining and entertainment rewards

3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding Walmart® and Target®)

Intro Offer: $200

Regular APR: 19.99% – 29.99% (Variable)

$0

5.0 / 5


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on Capital One’s secure site

2% cash rewards on purchases

Intro Offer: $200 cash rewards

Regular APR: 20.24%, 25.24%, or 29.99% Variable APR

$0

4.3 / 5


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on Wells Fargo’s secure site

3% cash back in choice category purchases (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)

Intro Offer: $200

Regular APR: 18.24% – 28.24% Variable APR on purchases and balance transfers

$0

4.3 / 5


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on Bank of America’s secure site

Bank of America customers

Earn unlimited 1.5% cash back on eligible purchases

Intro Offer: $200

Regular APR: 18.24% – 28.24% Variable APR on purchases and balance transfers

$0

3.8 / 5


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on Bank of America’s secure site

6% cash back at U.S. supermarkets (up to $6,000 per year, 1% after)

Intro Offer: Earn $250

Regular APR: 19.24% – 29.99% Variable

$0 intro annual fee for the first year, then $95.

4.4 / 5


(Read card review)


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on American Express’s secure site


See Rates & Fees

, Terms Apply

Rotating cash back categories

5% cash back on up to $1,500 per quarter of rotating category purchases (activation required), then 1% 

Intro Offer: Cashback Match

Regular APR: 17.24% – 28.24% Variable APR

$0

4.4 / 5


(Read card review)


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on Discover’s secure site

1.5% cash back on purchases

Intro Offer: $200

Regular APR: 19.99% – 29.99% (Variable)

$0

3.8 / 5


(Read card review)


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Lock

on Capital One’s secure site

Personal loan alternative

2.2% cash back on purchases upon card payment

Intro Offer: $200

Regular APR: 14.99% – 29.99%

$0

4.2 / 5


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Lock

on Upgrade’s secure site

1.5% cash back on purchases

Intro Offer: N/A

Regular APR: 17.15% to 31.15% variable regular APR

$0

3.1 / 5


(Read card review)


Apply now

Lock

on USAA’s secure site

Image of Citi Custom Cash® Card
Citi Custom Cash® Card

5% cash back on your top eligible category purchases each billing cycle (up to $500, then 1% cash back)

Intro Offer: $200

Regular APR: 19.24% – 29.24% (Variable)

$0

Image of Citi Double Cash® Card
Citi Double Cash® Card

Up to 2% cash back (1% when you purchase and 1% when you pay)

Intro Offer: $200 cash back

Regular APR: 19.24% – 29.24% (Variable)

$0

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